How is SSDI calculated?

SSDI is based on your Average Indexed Monthly Earnings (AIME) using the Primary Insurance Amount (PIA) formula. The formula applies different percentages to portions of your AIME.

What is the maximum SSDI benefit in 2026?

The maximum SSDI benefit in 2026 is $4,018 per month, though most recipients receive less based on their earnings history.

Does working affect SSDI benefits?

You can work while on SSDI during the Trial Work Period (9 months) and Extended Period of Eligibility (36 months). Earning above SGA limits may affect benefits.

SSDI Benefit Estimator

Estimate your monthly SSDI benefit based on your average indexed monthly earnings (AIME). This tool uses the Primary Insurance Amount (PIA) formula to calculate your estimated benefit.

Average Indexed Monthly Earnings (AIME) ($)

Your AIME is calculated from your highest 35 years of earnings, adjusted for inflation. You can find this on your Social Security statement.

Related Resources

Trial Work Period Calculator — Track your 9 TWP months while testing work
SGA Calculator — Check if earnings exceed the Substantial Gainful Activity limit
Work Incentives Guide — Learn how to work while keeping SSDI benefits
SSI vs SSDI Guide — Understand the differences between the two programs

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